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Luton Borough Council

Insuring your possessions


By arrangement with Aviva, we are able to offer a scheme that provides insurance cover for our tenants at a competitive rate, which you pay for with your rent. If you are on housing benefit, this charge will have to be paid separately.

There are different levels of cover depending on the value of the goods you wish to insure. The minimum amount that we can insure you is £4000 up to £40,000.


Contact our Housing Commercial team via e-mail [email protected] and ask for our booklet on home contents insurance. The booklet contains full details of the cover and a ‘proposal form’ which you can use to apply for insurance.

Keeping up payments

To make sure that you are always covered you must keep up to date with payments. You may not be able to make a claim unless your payments are up to date. We can cancel the policy if your premium payments fall into arrears.


If you wish to cancel your policy, you can do this at any time provided that you let us know in writing.
If you fall into arrears with your rent, we will write to you advising that unless you clear your arrears, we will stop your insurance cover. If you ignore the warning, then we will cancel the policy.

What will I be insured against?

Cover is for a range of losses including:
  • fire, theft and flooding
  • theft of keys
  • spoilage of food following freezer breakdown
  • accidental damage option is available at an additional cost

There is no cover for wear and tear or mechanical breakdown.

Before applying for cover, please ensure that you know what cover you are paying for. One of our officers will be happy to answer any queries you might have.

Contact info
Housing Commercial Team
Town Hall, George Street, Luton, LU1 2BQ

[email protected]


© 2024 Luton Council, Town Hall, Luton LU1 2BQ